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Review: The American Express Card (Amex Green) charge card

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This is our review of The American Express Card (Amex Green) charge card issued in the UK.

It is part of our series of articles looking at the major UK loyalty credit cards and discussing whether or not they are worth applying for. These articles are linked to the relevant sections of the ‘Credit Cards‘ area in the menu bar. Our other UK airline and hotel credit card reviews can be found here.

EDIT: This card was removed from the UK market in August 2022. We have kept this review available for historical purposes but you can no longer apply for Amex Green. None of the comparative data below has been updated since August 2022.

Amex Green review American Express Green card

Key facts:  £60 per year. You can cancel at any point and will receive a pro-rata refund if you cancel during the year.

Interest rate:  None.  Amex Green is a charge card, not a credit card.  You must repay your entire balance in full at the end of each month.

What is the Amex Green sign-up bonus?

I should say upfront that there are very few reasons to get The American Express Card when you look at the rest of the Amex portfolio.  Other cards offer similar features without a fee, or offer substantially better benefits for a higher fee.

There is no sign-up bonus on Amex Green.

This is not a great start.  It compares very poorly with:

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

30,000 points and unbeatable travel benefits – for a fee Read our full review

American Express Rewards

The only ‘free for life’ Amex card which earns Membership Rewards Read our full review

Any other benefits with Amex Green?

No.  The American Express Card (Amex Green) is a very basic product.

Again, this compares poorly with – say – Preferred Rewards Gold which is FREE for the first year and comes with two airport lounge passes, double points on airline and foreign spend and 10,000 bonus Membership Rewards points if you spend £15,000 per year.

What is the Amex Green annual fee?

£60 per year.

This is not good value compared with Preferred Rewards Gold (no fee for the first year and better benefits) or the American Express Rewards Credit Card which is free for life, has a sign-up bonus and has the same day-to-day earnings rate.

What do I earn per £1 spent on the card?

You receive 1 Membership Rewards point per £1 spent on the card.

This is same rate as you get on The Platinum Card, Preferred Reward Gold and the American Express Rewards Credit Card.

However, Amex Gold has three special bonuses which make it more attractive than Amex Green – foreign currency transactions and airline transactions earn 2 points per £1, and you receive 10,000 bonus Membership Rewards points if you spend £15,000 per year.

What is a Membership Rewards point worth?

Anything from ‘quite a bit’ to ‘a lot’ is the answer.  I wrote this lengthy article on what American Express Membership Rewards points are worth.

Realistically, Membership Rewards points are worth at least 0.8p. This is because you can convert 1 point into 1.6 Nectar points via the new Avios partnership. 1.6 Nectar points are worth 0.8p when spent at Sainsbury’s, Argos or eBay.

I tend to value airline miles at 0.75p – 1p each (this is conservative) so that is your valuation if you transfer to an airline programme.

Some of the hotel programmes also offer good value. Radisson Rewards (the Radisson, Park Plaza and Park Inn scheme) transfers at 1:3 from Membership Rewards, for example. Their top five-star hotels generally cost 75,000 points per night which would be 25,000 Membership Rewards points. This would usually get you over 1p per point of value.

The other hotel partners are Hilton Honors and Marriott Bonvoy.

You can take a look at the full list of Membership Rewards travel options here.

American Express green card review

Is Amex Green a good card to use when travelling?

No, not really.

Because Amex adds a 3% foreign exchange fee, you might want to get a separate free credit card to use abroad. 

Unfortunately there are no credit cards with 0% foreign exchange fees worldwide which earn airline or hotel points. (The Virgin Atlantic credit cards have 0% FX fees in the Eurozone.)  One option is to get a free card from Currensea. Currensea is a simple but clever idea. You pay abroad with your Currensea Mastercard debit card. Currensea translates the cost to Sterling with just a 0.5% fee (83% less than Amex charges) and withdraws the money from your bank account. You can find out more about Currensea by clicking here. Currensea is free so there is no risk in giving it a try.

Other points to note

American Express no longer has a minimum income requirement for any of its cards.

You benefit from various Amex purchase protection features.  To quote the Amex Green website:

  • When the manufacturer’s warranty expires on your favourite new purchase, we’ll give you a year’s Extended Warranty up to £1,500 per item
  • Enjoy Refund Protection on eligible items.  If the UK retailer won’t refund or replace the eligible item, we will, up to a maximum of £200.
  • You also get Purchase Protection. If you bought it on your Card and it’s stolen or damaged within 90 days, we’ll replace or repair it, or refund you up to £2,500 per eligible item.

You also receive travel inconvenience cover. This pays out:

  • up to £150 reimbursement per person for travel, refreshment or hotel costs if your flight is delayed more than four hours, including due to overbooking or missed connections
  • up to £150 in total to purchase essential items if your luggage has not arrived within four hours of your arrival, with an additional £150 per person if your baggage has not arrived within 48 hours


It is difficult to work out why anyone would want to apply for The American Express Card (Amex Green).

If you are looking for a low cost American Express card which earns Membership Rewards points, you should get the American Express Rewards Credit Card instead (free for life) or Preferred Rewards Gold (free for Year 1, with free airport lounge passes).

If you want a sign-up bonus (and who wouldn’t?) you should look at Preferred Rewards Gold (20,000 points), The Platinum Card (30,000 points) or the American Express Rewards Credit Card (5,000 points).

The only reason to get Amex Green is if you specifically want a charge card – perhaps you don’t want the temptation of a credit card and being able to roll-over your balance at the month end – and would prefer one which has a permanently low fee.

(Want to earn more miles and points from credit cards?  Click here to visit our dedicated airline and hotel travel credit cards page or use the ‘Credit Cards’ link in the menu bar at the top of the page.)

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points. The site discusses products offered by lenders but is not a lender itself. Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as an independent credit broker.

Comments (24)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • mradey says:

    It’s the coolest looking Amex. I prefer its look to my Centurion card.

    • Jonathan says:

      I agree with you there, but if you like the card design so much, then think outside the box, do you spend a lot in Euros or US Dollars ? If the answer is yes, then the Amex green US Dollar / Euro cards could very much be exactly what you need, although they’re only useful for the currency that it’s assigned to, it’s a way to earn MR points without incurring the dreaded (nearly) 3% FX fee per transaction.

    • memesweeper says:

      100% agree. I had this card and loved the classic look. Platinum looks awful by comparison.

  • M says:

    Isn’t there a travel inconvenience insurance worth taking a look? This is a key differentiator vs the other Amex cards with no annual fee

  • Charles Martel says:

    Isn’t the hope with this card that you get a decent upgrade to Platinum offer at some point?

    • Nige says:

      There’s one running at the moment. I ordered green card then immediately upgraded to platinum for 30k MR

  • Wolf says:

    Is the Currensea shout-out an ad or am I misunderstanding something about how it works? I’m surprised it’s being recommended when there are many alternatives that don’t have the 0.5% fee on every transaction?

    • Rob says:

      Because it’s not a credit card, so has no impact on your ability to get other credit cards. The last thing you want is a credit card you only use abroad but which gives you a £10k credit limit which will severely curtail how many other cards you can have.

      • The Savage Squirrel says:

        How much do other cards really impact? I don’t know but I do remember the news story about the guy who applied for every credit card on the market to see what would happen (he was semi-retired and didn’t give a stuff about credit ratings etc) and ended up with almost £1 million in total credit limits despite being on an average income.

  • Youllnever says:

    Apart from the free Premier card, I believe this is the only other UK card which provides extended warranty, so not something to be dismissed if this is of importance.

  • Jonathan says:


    The card also has Travel Inconvenience Insurance, I’m almost certain that people looking for this benefit (alone) won’t find an Amex card with a lower annual fee that also offers this. I know BAPP has this policy as well, for a higher annual fee of course (if ignoring all other benefits BAPP offers

    • Jonathan says:

      Amex Marriott Bonvoy also has this benefit included, though the card’s annual fee is £75 (versus green’s £60), and the rewards aren’t as flexible as MR points

    • Rob says:

      Thanks, added in.

    • Harrier25 says:

      To me the additional 1 year warranty cover is worth the £60 annual fee….and cheaper than buying the additional year’s warranty from the retailer or simular.

      • Harrier25 says:

        …plus I usually get most or all of the £60 annual fee reimbursed via retail offers throughout the year.

  • GJS says:

    I’m considering getting the Platinum card for the first time this April (would need insurance in time for a trip at the end of the month). Currently have Gold so no sign up bonus. Is it worth me getting Green today and hoping for the 30,000 offer? Where does this normally appear? Thanks folks.

  • Mark says:

    Is this entirely different from the Green ICC? Looks quite the same…

    Separate question – do you get the AF refunded pro-rata for cancelling the Green ICC before a year?

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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